Welcome to Frugal Living NW!

I'm Angela Davis, a PNW native, mom of lots of kids, and I love saving money. I'm here to help you live well on a budget by making every penny count. You'll find deals at your local stores, ways to save online, recipes, and frugal living tips and inspiration.

We have been using the FM Mastercard for over a year now and I have been VERY pleased with the program. Not only do you get gas rewards, but you get quarterly rewards on a store credit card – my last one was for over $51 (depends on how much you have used your card), and those 4 extra coupons that are really good! We use our Mastercard to pay some bills online to get the extra rewards points and it really pays off!
I also get the occasional FM e-mail special coupons and they have been good ones.
It pays to sign up for their e-mails, and especially pays to get their Mastercard!!

And a heads up, friends and family days are coming mid-august! (where, with an email from an associate that’s fwd’able from/to anyone). I think it’s the 12th through the 14th, but don’t quote me on that… 🙂

You get like a cash back rebate towards your purchase. I’ve had it where I had $9+ in my account and just told the cashier I wanted to use it to pay for my stuff. The rewards do expire, so you have to make sure you use them in time.

Also, something I didn’t realize until I started couponing is that you get the points of your purchase BEFORE manufacturer coupons! (Unfortunately, you don’t get the points for the store coupons). That’s like free points! Once the three month period ends, you get a coupon in the mail for X-amount off your next purchase, where X = a penny per point. You have to have accumulated at least 500 points in the period to earn that. The great thing I love too is that you get 4 additional coupons with your certificate and they are AWESOME coupons. Like, one will be $2 off a produce purchase of $2 or more (so basically, $2 of free produce) and sometimes they’ll have one for meat and sometimes for dairy….its really great because they are coupons for things you tend not to get coupons for often.